 and make it a little bit more simplified. I guess in the second segment we talked about knowledge transfer. So knowledge transfer is a real important thing for us and it's something that we think that we need to be doing with clients. We want to get information over to you and put some logic behind making recommendations. And that really is one of the things that we do on day in and day out. Having knowledge transfer and teaching clients about what you should or shouldn't be doing during the retirement process